Enter your monthly revenue, average daily bank balance, and business history below. This worksheet runs the same scoring logic working capital and merchant cash advance lenders apply to a real bank statement review, so your approval amount, factor rate, and risk score are a realistic preview, not a rough guess.
This worksheet mirrors the logic a working capital or merchant cash advance underwriter applies to an actual bank statement review. Fill in cash flow, business record, and statement flags, and the risk gauge updates the moment you submit with a pre-approved amount, factor rate, and maximum term, or a plain explanation of why you did not qualify yet.
Every figure recalculates as you move the sliders, including your net funding after the 2.5 percent origination fee and your exact daily or weekly payment. None of this touches your credit.
Monthly revenue and average daily balance decide the maximum amount on the table before anything else is weighed. A clean file with no risk flags can be approved for up to 100 percent of monthly revenue. A thin balance against strong revenue is still a warning sign, since it means money moves through the account faster than it settles.
Time in business and existing loan balances get compared against revenue to produce a leverage ratio. Past 75 to 100 percent leverage, every new dollar competes with dollars already owed, and the worksheet prices that in by cutting the approval multiplier. Above 150 percent leverage, the file is declined outright.
Non sufficient funds, negative days, stop payments, and prior defaults each add risk points toward a 0 to 100 score. The total decides which paper tier, A through D, your file lands in, which sets your factor rate between 1.20 and 1.60, and whether it needs a person to look at it before anything is offered.
Your profile cleared every minimum threshold, and the engine calculated a real approval amount, factor rate, and maximum term. Open the configurator to test amount, length, and repayment schedule before you apply.
Nothing here triggered an automatic decline, but one or more risk indicators, most often a single stop payment or an unresolved default, needs a human underwriter to sign off before a final number is offered.
One or more hard decline thresholds were triggered, listed in the panel by exact reason. Address the specific issue and run the worksheet again once your numbers improve.
Plain definitions for the words that show up once you run the numbers, the same terms a lender will use once you apply.
No. This is a prequalification estimator, not a formal loan application. It runs real underwriting logic drawn from how merchant cash advance and short term business lenders actually evaluate applications, but the result is an estimate. No credit pull is triggered, no data is sent to any lender, and no formal application is created. To get a real offer, take your figures to a verified lender listed on this site.
A merchant cash advance, or MCA, is a form of business funding where a lender advances a lump sum in exchange for a fixed repayment amount drawn daily or weekly from your bank account. Repayment is a fixed total calculated with a factor rate, not an interest rate that shrinks as the balance goes down. There is usually no collateral requirement, approval leans on bank statement performance rather than personal credit, and funding can arrive in 24 to 72 hours instead of the weeks a traditional loan can take. The trade off is a higher cost of capital, reflected here in factor rates from 1.20 to 1.60 depending on risk profile.
The approval amount comes primarily from your average monthly revenue multiplied by a leverage multiplier that adjusts for risk. A clean profile with no open positions, a strong daily balance, and no risk indicators can be approved for up to 100 percent of monthly revenue. Open position leverage is the most impactful factor: if your existing balances exceed 75 to 100 percent of monthly revenue, the available amount drops significantly, and at 150 percent leverage the file is automatically declined.
Six things trigger an automatic decline in this worksheet: monthly revenue below $30,000, under 12 months in business, a daily balance under $2,000, nine or more open loan positions, more than one stop payment, and leverage over 150 percent. If you triggered a decline, address the specific reason shown and recalculate once your situation improves.
The risk score sets your paper tier from A through D, which determines your factor rate range: A Paper starts at 1.20, D Paper can reach 1.60. Scores above 40 also trigger reductions to the approval amount to protect the lender's risk exposure. A clean profile with a score of 0 to 20 gets the best available rate and the highest possible approval amount.
Once you receive a pre-approval, the loan configurator opens below the calculator. The amount slider adjusts your funded amount from $5,000 up to your maximum, and the term slider sets the number of months up to your maximum based on your profile. Every figure in the funding breakdown, including the origination fee, net funding, and total payback, updates live. A separate toggle lets you switch between daily and weekly repayment and choose how many payment periods to spread the total across, so you can find a daily or weekly amount your cash flow can actually support.
No. This calculator runs entirely in your browser. No data is transmitted to any server, no lender receives your information, and no credit bureau is contacted. The only way a credit inquiry occurs is when you choose to apply directly with a lender after using this tool.
Directionally useful, not a guarantee. Real lender decisions also weigh industry type, geography, specific bank statement patterns, and individual policy overlays this worksheet does not include. Treat the result as a realistic range, then compare it against actual offers from a verified lender.
This worksheet is provided for informational purposes only and does not constitute a loan offer, an application, or a guarantee of approval. Figures shown are estimates based on the inputs you provide, using thresholds and factor rate ranges consistent with common working capital and merchant cash advance underwriting practice. Actual rates, terms, and approval decisions are set solely by individual lenders based on a full review of your business and financial history.
Compare Business Loans Online is not a lender, makes no credit decisions, and may receive compensation from lenders when a connection is made through this site, a relationship that never influences the figures this worksheet returns or which lenders you see. Review our advertising disclosure for details.